screen saver lock out

I have 2 users, both have screen saver "on resume, password protect" checked (by mistake). I have never set any passwords for this. I click on either of the users and receive "loading personal settings", immediately get "logging off" and then "saving personal settings". Cannot get to desktop for control panel to change. This is on my home computer.

Tried it. Safe mode goes to a black screen with the drivers listed - can't do anything at this screen. It sits there, then goes to User window and has added administrator user. I click on administrator. "loads settings", flashes to black screen with 'safe mode' in 4 corners, "saves settings" and back to user screen.

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